emergency fund already then its pretty

Reddit, r/investing and its moderators assume no responsibility for the accuracy, completeness or objectivity of the information presented on r/investing. R/investing does not endorse any recommendation or opinion made by any member, nor do any users or moderators of r/investing advocate the purchase or sale of any security or investment. You are responsible for your own investment decisions.If you dont have one then I recommend putting the money towards that in a "high yield" online savings account, I recommend ally bank based on nothing but personal experience.If you do have an emergency fund already then its pretty circumstantial, you buy a bunch of BP if its still low and hope it rebounds ( or some other stock) this is risky but you could see a great return, or you could do that with half of it and put the other half in an IRA of some sort and invest it in an index fund."high yield savings account" one that pays a lot of interest I think the only way to know what "a lot" is, is to compare to a few other banks and check the search engines a couple good starting points are ING and Ally Bank.IRA "individual retirement account" as long as the money stays in the account you don have to pay taxes on it (normally, you have to pay taxes on dividends/interest and on capital gains if you sold anything), and you get fined if you take money out before retirement age you may or may not have to pay taxes when you do take the money out, I think this depends on exactly what kind of IRA you have.index fund a "dumb" mutual fund, instead of paying supposedly smart people to pick things for the fund to buy, it just buys things according to some predetermined formula (things like, "equal percentages of each stock in the S 500")XLF one particular index fund, which looks like it buys stock of companies which are both (1) in the S 500, and (2) in the financial industry probably a bit risky, considering how much trouble the financial industry has been getting itself in latelyAssuming that you do have an emergency savings,http://heroes.altervista.org/wiki/index.php?title=Iphone_6_Plus_Case don bother with stocks until you have at least $10,000 that you can afford to lose.

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